how to chart local city nominal appreciation vs. S&P500 any ideas pleas? hello, i have a sibling, whom is looking at 2010 san francisco housing values vs today, and i'm trying to have them understand Real appreciation vs. US equities, is not so simple. how might i say find / create a chart with ...

my employer is said to be generous, but the matching is such a joke, after 8 years working (you getting nothing if you don't get 1000 hours/year credited, or pro-ration'd , after your vested in 5 years, i saw dozen of employees come and go from our small office, and even if they did fully contribute...

which BH book? i don't think they 'recommend' an AA generally, and i'd be surprised if the book is 'recommending' that AA, it may be presented as a common choice. anyway, you can't pick an AA in a vaccum, you need to read the pinned thing, on how to ask the question. what is the question anyway? do ...

on the topic of 5498 form, I wonder if VG keeps these "forever", and hence there is no point in my once again downloading. printing it, and or reuploading it to my own tax backup storage online , etc ?

you seem to be a bit heavy in equity, even for young turk, like you. i see no reason to get rid of all the minor funds, and put all the equity in the VG institutional idx, which i believe is a S&P 500 index, as I have money in it too. then take 30% of all the equity and put it in the Internation...

they allowed to change the application and the APTC designation, so now i'll pay $70 /month for a HMO; and each time, I make 10% (I guess $1800) , I'm supposed to call them, for some reason, they would not divulge the 3 CSR levels cutoff values, which I'm sure exist, and is presumably the reason I'm...

believe it or not, my ACA office, seems unable to explain anything in this detail "It is very common. Note: You are obligated to report, within 30 days, any changes to guesstimated income >10%. Your subsidy and cost-sharing benefits may then be adjusted (up, down or gone) mid-year by your ACA o...

I think at this stage, I'm wondering if there is a mechanism that the government uses via the IRS to re-capture any underpayment on my part for the CSRs ... ? I can see that reconciling premiums, should not be difficult , but don't understand the CSRs.. I really have no idea, how much work income I ...

yes, makes sense to me, working in the industry, as I did. any clue on the other parts of this? i'm thinking of asking to reapply and start at CSR level 94 , and take the premium reductions as I go, though for the latter, I've no idea on pros/cons or for that matter, if I can even changed a submitte...

Hello, I'm looking at my predicted income for the year, based on my 2014 1040, if things were pretty much the same, and I added my January Income , I would be at $18,000 for the year, however, at the moment I just started as a per diem employee with my present employer, I took a trip down to our loc...

dale, nope just the RMD, nothing extra needed. but, just seems like a known thing, one of the few I have in my lifestyle, so perhaps, the money should be parked in a timeframe matching when needed, but prime money market, is 0.12% so ....... of course, my overall situation, could override a direct &...

hello, currently in my inherited IRA, I have everything in VG int. term idx bond fund, duration of 6 ish, the VG short term idx fund is duration 2.7 or so, does it makes sense to direct my cap gain/dividends to the ST bond idx fund, knowing that i'm going to need to take an annual distribution far e...

hmm, thinking about it now, I think instead of looking for a "capital loss" section, i'll just do my own deduction of $3k from interest or dividends or something , not sure why was thinking so pedantically ...... btw, https://www.healthcare.gov/reporting-other-income/#capital-gains Capital...

iirc, my thinking, is keeping the money in the trust for my sibling(should he outlive me), passing to his 1 son, (should he not), as I have no other heirs, I prefer to let a third party manage the assets, then my sibling and his current spouse, etc. .......so, I need a trust for that purpose ? any t...

the trouble seems to be multi-fold, I just don't know what the future will hold, and how often I'll need to be updating a trust. esp. should I be overseas ex-pat (which itself would probably be a try and see situation). maybe I just just untitle everything again, and wait until I'm 80 or have some i...

thanks for the replies. re: "That's the bad news. The good news is that a "new trust" does not require you to retitle trust assets. Instead the new trust is an amendment in full of the old trust, known as a restatement. It's better to have a fresh trust than a frankentrust, especially...

hello, i'm an early retiree, w/o property, but wanting to designate a 13 year old, to get a lump sum at age 35, a nephew, and keep the money in trust for brother, not his family. I made a trust with Nolo software, an older version, however the trust does NOT allow revision. my concern is there are s...

can one upload images to this forum, i took a screengrab or the lack of choices for a 'capital loss' , seems to have everything else but not that also for income there is captial gain , but does not allow negative numbers i plan of on calling them, but suspect they won't know what a capital loss is ...

.......this is what the ?Medicaid wants to know, no one can tell me anything at the exchanges, crazy. so for my $5,500 annual contribution to my IRA do I subtract it from "income" or "retirement account" same with capital loss, from which do I subtract it ? also what is a "d...

uh, so are there people who purposely tweak their income to be just OVER the cutoff to qualify for medicaid, in order that they DON'T have medicaid as their primary insurance? and reasons why / why not ? thanks

Usual wisdom in my state, Hawaii, or elsewhere IS medicaid is not good insurance, but I let the "navigator" /"kokua" in hawaii, tell me, that the new expanded medicaid, is not your old medicaid for the poor/can't find a doctor type. And insurance is "free" , so my aim h...

ok, great, helpful. I guess, my main question, is if I have capital loss carryovers, which I do, of $3000, can i subtract that from my "income" for the purposes of ACA ? I suppose inherited IRA RMDs , are going to be same as any RMD for the purposes of ACA? sorry am bit of 1040 simpleton r...

Hello, I'm sure this is somewhere in the search engine, I did find somewhere it says that it is MAGI, not AGI that counts towards qualifying for medicaid then subsidies, if not medicaid eligible...... my state, Hawaii, is expanded medicaid, so I have a higher threshold, of about $17,000 to get medic...

so, am I correct, that there may be situations, like with VG Inherited IRAs RMDs, where no State withholding is allowed, so one's ONLY option, is to pay estimated taxes ? this year for example, I'm anticipating that a good chunk of my taxable income is going to be IIRA RMDs, percentage wise, as look...

as I recall part of the problem, is Inherited IRA and Treasury Direct, not having the ability to withhold State taxes... ? at least, that is what has happened to me. By turbotax, creating estimated tax voucher, are they saying , I am mandated to do this for 2015, or is it basically just saying if it...

that link is for underpayment of estimated taxes, I don't understand, if my underpayment total for the whole year was $600.00, if that implies, that I should have paid estimated taxes for 2014. And hence, your link applies to what I am asking .......? re: 2. The total tax shown on your 2013 return m...

So, I have not decided, if I will work in 2015, lately, I'm thinking, I will work minimally, if at all. I guess, I don't understand, if one is compelled to pay for 2015, if underpaid in 2014 ...... I assume, I underpaid, if Turbotax generates vouchers? don't understand this posters, reply, below: &q...

Turbo Tax /?estimated taxes payments for 2015 ?? I seem to owe $600 something for my Hawaii State taxes, and Turbo Tax in their forms is including 2015 vouchers quarterly, this always confuses me, is this something I have a choice of not doing, if my income will change for 2015 , sorry for the simpl...

do you happen to know for purposes of qualifying for subsidies, etc. does ACA/obamacare, allow one to deduct capital loss carryovers, when stating "income, dividends" , etc do they use one's AGI Line 37 1040 (subtracting IRA contribution too), or Line 22 (pre - IRA subtractions? ) in my ca...

only option, I was given, was to go down to the DHS Medicaid office, take a number and ask them. so, finally, looks like we are going to check off the "unemployed" box , effective 3/1/15 and submit it then, and cross my fingers, that it doesn't take 'up to 45 days' to process me, and I am ...

well, if it was so similar, what i did in the past, was not buy the cobra, but i knew if i needed it , i could pay it retroactive, but i don't think i'll have that option this time. may i ask, madbrain, on your level of certainty as to qualification , i won't be losing the coverage till end of feb, ...

I am not really losing it, rather, i'm being offered to continue with it, buying it on my own. which, i don't think is a 'qualifying event' for the ACA, however I dont know about private (off-ACA) type deals...... You're asking for special enrollment because you are losing employer-paid health insur...

the point is that i'm sure, phineas. are you saying, on a different point, that, one can buy health insurance privately at any time, i'm shopping for a plan now, and being asked -- What type of enrollment are you applying for today? * Open Enrollment Special Enrollment -- so I'm a bit uncertain anyo...

Why did you get travel insurance for only one month? I would have bought it for the length of the trip. .......i have travel ins for 3 months, usa coverage for feb only. For travel outside of the U.S.. travel insurance should be preferred (if it covers medical emergencies) because your unforeseen e...

........thx for the reply, yes, a leave of absence, is my situation. do I need US coverage while I'm not in the US? I am at a loss how to get coverage, guess I can try to call Blue Cross and ask for 2 months of coverage, somehow I'm not worried about getting treated overseas, though, I have heard, o...

hello, i'll be travelling for 3 months, and bought a travel ins plan with emergency medical type coverage overseas, for the 1st month, i'll have US coverage, but because i'm not resigning my job , i don't think I can get ACA/'obamacare', as one has to quit their job, i've been given the option of pa...

you might be able to drive counter-clockwise around haleakala, maybe then you can beat the hoards of tourists. other than that don't feel you have to sightsee, depends on what kind of stuff you like, but take a few days drinking Primo beer, somewhere other than the resort. meet a local, who doesn't ...

so using a VPN, like at a starbucks, or a hotel, doesn't increase security? whether its WEP or WPA2 , etc ? Consider WEP equivalent to no security. Thus, you should assume that everything you transmit or receive can be intercepted and/or modified. However, you should always be making that assumption...